Actuarial tables and data for Mexico

All files are UTF-8 comma separated text, with a header row and lowercase column names without accents (column names are in Spanish). Dates use ISO format (year, month, day: 2026-02-01), decimals use a period with no thousands separator, and rates are in percentage points: 6.50 means 6.50% per year. The last column of each file, fuente (source), identifies the publication or series code of origin, so any row can be traced. The JSON button converts the same CSV in your browser; there is no second file that could fall out of sync.

The constitutional reform that de-indexed the minimum wage created the UMA in January 2016 so that amounts set in law, such as fines, caps and thresholds, would no longer be expressed in minimum wages. The Law to Determine the Value of the UMA, published in the DOF on December 30, 2016, sets the method: each year's daily value is the prior year's value multiplied by one plus the December annual inflation rate; the monthly value is the daily value times 30.4, and the annual value is the monthly value times 12. That is why the 2026 UMA (117.31 pesos) equals the 2025 UMA times 1.0369, the December 2025 inflation rate.

The minimum wage followed its own path. Until November 2012 the country was divided into three geographic areas (A, B and C); from November 27, 2012 onward there were two; in April 2015 area B moved closer to A, and since October 1, 2015 there has been a single general minimum wage. In 2019 the Northern Border Free Zone (ZLFN) was created with its own amount. The file keeps each area in its own column and adds the national average minimum wage published by Banxico (series SL11298) for the years with several areas.

The National Consumer Price Index is the backbone of almost every monetary adjustment in Mexico: the UMA, the UDI, the inflation adjustment of tax liabilities and the escalation clauses of many contracts and benefits all depend on it. Since July 15, 2011 it has been compiled and published exclusively by INEGI; Banxico redistributes it in its SIE on the same base, second half of July 2018 equal to 100. The file contains each year's December index, the December to December annual inflation rate and the twelve month average, plus the latest available 2026 figure.

The UDI began on April 4, 1995 with a value of 1.000000, as a unit of account for denominating loans and securities that preserve their purchasing power. Today it is used in mortgage loans, in the federal government's Udibonos and in insurance products whose sum insured is indexed to inflation. The file records its value on January 1 of each year since 1996: over three decades it rose from 1.339150 to 8.666288.

Since January 21, 2008 Banxico has conducted monetary policy with a target for the overnight interbank interest rate, the target rate. The file records each change with the date on which the new level appears in the SIE daily series SF61745: 71 moves between 2008 and October 2026, 33 hikes and 38 cuts. The peak was 11.25%, in effect from March 31, 2023 to March 21, 2024; the low was 3.00%, from June 2014 to December 2015. Decisions to hold the rate unchanged do not generate a row.

28-day Cetes (federal treasury certificates) are the short term risk free benchmark used in technical notes, reserve investment models and adequacy studies. The file contains the annual average of the monthly average yield (series SF282), with each year's monthly minimum and maximum. The average was 15.24% in 2000, bottomed out at 2.98% in 2015 and returned to 11.10% in 2023.

The official demographic reference is CONAPO's Demographic Reconciliation of Mexico 1950 to 2019 and Population Projections of Mexico 2020 to 2070, which INEGI uses in its indicators. The series shows the jump from 46.3 years in 1950 to 74.8 in 2019, the pandemic drop (68.9 years in 2020 and 68.8 in 2021) and the projected recovery: 75.7 years in 2025, 80.1 in 2050 and 83.0 in 2070. The gap between women and men is about 6.5 years in 2025 (79.0 versus 72.6).

For an actuary, life expectancy at birth is a context indicator, not a valuation input: it summarizes the mortality of the entire population in a single number and is dominated by what happens at young ages. Life annuities and pension plans are valued with age-specific tables, such as the CUSF tables shown below, and with improvement scales. The guide to mortality tables explains the difference between the two.

Both tools read the same CSV files you can download above. The first converts amounts expressed in UMA or minimum wages into pesos for any year and month in the file, respecting each value's effective date. The second adjusts an amount for inflation between two years with the INPC, using either the December index or the annual average.

In Mexico the mandatory biometric bases for valuing reserves are set by the CNSF (National Insurance and Surety Commission) in the Single Insurance and Surety Circular. Two chapters cover almost everything: 5.3, which governs the valuation of the unearned premium reserve for long term life and accident and health insurance under the statutory method, and 14.2, devoted to pension insurance arising from the social security laws (the IMSS and ISSSTE life annuities). The table below summarizes which demographic experience corresponds to each use, with the annex that contains it; each link goes to the electronic version of the CUSF maintained by the CNSF.

The set of 2009 social security tables for active lives is known in the profession as EMSSA-09; the CUSF names them by sex, EMSSAH-09 for men and EMSSAM-09 for women. For annuity offers in the SAOR (annuity offer system) from November 18, 2022 onward, EMSSAH-15 and EMSSAM-15 are used. In both cases the tables are projected with the improvement factors of Provision 14.2.7.

When you need a series that is not here, these are the places where the primary information lives. All links were checked on October 16, 2026.